TERMS AND POLICY VISITORS AGREEMENT

Effective December 1, 2005

Welcome to Profiles Publications, Inc.’s (“Profiles”) website. The following terms apply to your use of and access to www.nyforeclosures.com (the "Website").

COVERAGE OF THESE TERMS AND POLICIES
In addition to other agreements between you and Profiles, these terms explain the terms and policies that govern your access to and use of our Website, including the actions that we may take, within our sole discretion, for any use that we deem unacceptable.
By accessing or using our Website, you agree to these terms and policy (collectively the "Policies"), as Profiles may modify it from time to time. If you do not agree to accept and comply with the Terms and Policy, please do not access or use our Website.

COPYRIGHT/RESTRICTIONS ON USE OF THE WEB SITE
You may access and use our Website only for lawful purposes. The Website is registered with the Library of Congress and is copyright protected. The text, graphics, images and compilation of data contained on the Website may not be used for any commercial use whatsoever without the prior written permission of Profiles. Data mining, screen scraping, downloading, or any other activity designed to duplicate, re-use, reformat, or plagiarize the words, pictures or graphics contained on the Website is strictly prohibited.

ENFORCEMENT OF TERMS AND POLICY
All users of the Website must adhere to the Policies. Any attempt by you to engage in any of the prohibited activities will be deemed a violation of these Policies and may constitute a copyright infringement. Profiles may, at its sole discretion, seek an injunction against you for any violations of these Policies.

LINKS TO/FROM THIRD-PARTY SITES
The Website may contain links to other websites that are maintained by third parties over which Profiles has no control. These links are provided for convenience only. Use of these links is entirely at your own risk. Profiles makes no representation or warranty concerning any other site or the information, products or services offered or appearing on or through these sites. Profiles does not sponsor or endorse the operators of the sites or the content, products or services they provide, and Profiles is not responsible or liable for the conduct of the sites' operators, the content, availability, accuracy, quality, advertising, products, services or other materials offered at the sites. Any third party who wishes to link to this Website must link to the Website’s home page, www.nyforeclosures.com. No one may link to any other page on this Website without the prior written permission of Profiles Publications, Inc.

DISCLAIMER OF WARRANTIES AND LIABILITY

YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM ANY MATERIAL DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH PROFILES WEBSITE. ANY CONTENT OR INFORMATION ACCESSED BY OR PROVIDED TO YOU BY PROFILES OR THE WEBSITE IS PROVIDED "AS IS," PROFILES DOES NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF ANY CONTENT OR INFORMATION AVAILABLE THROUGH ITS WEBSITE. YOU ACCESS SUCH CONTENT OR INFORMATION AT YOUR OWN RISK. PROFILES DOES NOT GUARANTEE THAT ITS WEBSITES WILL BE ERROR-FREE, OR CONTINUOUSLY AVAILABLE, OR THAT IT WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. UNDER NO CIRCUMSTANCES WILL PROFILES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES THAT ARISE FROM THE USE OF ITS WEBSITE. YOU AGREE TO HOLD PROFILES HARMLESS FOR ANY CLAIMS RELATING HERETO. PROFILES WILL NOT BE RESPONSIBLE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES OR LOSSES RELATING TO THE WEBSITE (INCLUDING, BUT NOT LIMITED TO, DAMAGES ATTRIBUTABLE TO LOSS OF DATA OR PROFIT, ARISING OUT OF THE USE, OR THE INABILITY TO USE, THE WEBSITE) EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND IF YOU LIVE IN SUCH A STATE THE ABOVE LIMITATIONS OR EXCLUSION MAY NOT APPLY TO YOU.

GOVERNING LAW
The laws of the State of New York govern these Policies. You consent to the exclusive jurisdiction of the state and Federal courts located in Queens County, New York for any suit that relates to these Policies.

INDEMNIFICATION
You agree to indemnify, defend and hold harmless Profiles from and against all claims, liabilities, losses, expenses, damages and costs (including reasonable attorneys' fees) that arise from: (1) any violation of this Policies by you; (2) any violation of any rights of a third party by you; (3) any violation of applicable law; (4) your use of our Website.

MODIFICATION OF THE POLICY AND AGREEMENT
We reserve the right to modify these Policies at any time, effective upon its posting, as modified, on www.nyforeclosures.com You agree to the Policies by accessing or using our Website.

PRIVACY POLICY
Profiles Publications, Inc. respects the privacy of visitors to our site. You may wish to review our Privacy Policy.

ADDITIONAL AGREEMENTS
If you elect to become a subscriber to Profiles Material, an additional Subscriber’s Terms of Use Agreement will bind you. You may wish to take a moment to review that agreement as well.